Personal property coverage
Content context: plan year 2026
In plain terms
Personal property coverage (Coverage C) pays to repair or replace your belongings (furniture, electronics, clothing, kitchenware) after a covered event like fire, theft, or certain water damage, whether the loss happens at home, in your car, or while traveling. Your limit should equal the total value of everything you own.
This is an explanation, not an eligibility decision. A plan-year label is not a source-check date.
A plain example
A fire destroys most of your apartment's contents. If you own about $30,000 of belongings and carry a $30,000 limit with replacement-cost coverage, the policy pays to buy new equivalents up to that amount.
Why it matters
Most renters guess this limit from a dropdown and set it far below what they actually own, discovering the shortfall only at claim time. Adding up your belongings once is the difference between being made whole and being paid a fraction.